@coopbankuk_help Cashminder Online Banking

[AvengingAngel]

Hi, I have a cashminder account. I was online in my bank account around the end of the day and I watched while the account changed the order in which debits and credits went into the account. I complained to the bank as the order had made it look like I had gone overdrawn (which was impossible as I took out cash from a hole in the wall, which the machine wouldn't have allowed if I had been overdrawn). I am really only posting here to comment on the bank's reply to my complaint. I said I would write to them every time I had the same thing happen, if it happened again in the future. They said, "if you write to us each time this happens, your future letters will be held on file without reply from us".

 

Their letter was signed by a Customer Feedback Adviser. Obviously absent from work on the day the 'best practice' and 'good customer service skills' courses took place. I know they don't want to get bogged down by peasants like me standing up for ourselves, but saying, "Go away, we're not going to talk to you???"

[AvengingAngel]

Oh thankyou for that reply, that's so sweet of you to go to all the trouble of typing it all again. And of doing it in the first place. But I must know, did you throw your poor computer across the floor???? ROFL ROFL!!!

[AvengingAngel]

Hi,

 

If you're a tech specialist I hoped you moved on to somewhere you're appreciated. Too often the tech/IT specialist is someone who's used and trodden on by the 'Gods'. I understand the idea of the numbering system, but it is very annoying when banks take debits before credits in place of following a timeline. And especially annoying when they take their own charges before other debits, or if they take them early.

 

As far as the Co-op are concerned, I only remain annoyed at the lack of respect and blatant "you're an insignificant little flea and we don't have to deal with you, " attitude.

 

Anyhow,

Bye,

[AvengingAngel]

This is very strange for the Co-op. I went into my local branch, sat down in one of their glass fronted offices with a bod and two cups of coffee. He put my details straight onto their computer. My card and pin number arrived a few days later. Then I went online and set up online banking, choosing a four digit code (cannot be the same as your pin number belonging to the card). I set up direct debits with the card reader that came through the post, and in fact I do most of my banking with the cashminder account online.

 

Sounds like you need to go into the branch. By the way, if you forget your pin number you can go into the branch and they will post you a reminder.

[AvengingAngel]

anyone know how long they take to send you the forms to fill in for this account,I phoned up for a cash minder on Wednesday 20/6/12 as Natwest have not sent us anything,according to them we do not exist! /QUOTE] Oh, did you mean that the Nat West think you don't exist? I've got no complaints about the Co-op.

[AvengingAngel]

I've got no complaints about the Co-op.

 

Apart from my original moan, of course hee hee

[AvengingAngel]

Sorry for confusion, Bobcat. It was me who complained about the Co-op, if you look back at the start of the thread. If I were you, I'd persevere with the Co-op, and give them a gentle reminder as to where your "welcome package" is. Now I've got into the rhythm of using the online account, and make sure I don't go over into the red (which they are hot on), everything's fine.

 

Did you want to mull over anything else at all? Two heads are better than one, sort of thing? Not a lot of people know this (to borrow from MC), but I was bankrupt last year so I might be able to chew things over with you.

[AvengingAngel]

got the letter back finally from CO-OP, saying we have been approved in principle" That's good

 

"they need ID etc, the list is very confusing". Usually it's either one document listed in list A or two in list B. Usually includes a utility bill and your driving licence.

 

"have to be signed by someone in a position of responsibility". This will cost you, as it's usually a solicitor. I had this problem and if you don't know a "person in authority", ie, a teacher or doctor, it can get expensive if using a solicitor. I can't remember, can't someone at the jobcentre sign copies for you?

 

I appreciate you said you don't live close to a branch, but the best possible way would be to make an appointment and go into the branch, with your docs, if you possibly can.

 

Well done on getting a dmp organised. I was so stressed when I did the bankruptcy. I thought it was the end of the world, but in the end, I just went into court and the judge was so nice. He looked at my financial papers and said, "I can see you need the application for which you have applied." I thanked him for being diplomatic - told him that was a very nice way to put it, and he got embarrassed, like nobody had ever thanked him for being sensitive to people's plights. But whether it's a dmp or bankruptcy, it will end. You will come through it. And there's no stigma to it nowadays, as a hell of a lot of people are in the same boat. I decided to tell everyone I knew I was bankrupt, and everyone was very nice.

 

Anyway, bye for now,

me.